Before heading out to shop, you don’t slip a can of pepper spray into your purse, and you’d rather spend Thanksgiving with your family than in a tent outside a big box store. Still, when you head out to the mall or cruise the Internet, you want a deal. Four years of hard times have left us hard-wired for discounts, even during the holidays.

Buying a Pensacola home can be both exciting and stressful but, for those with past credit problems, the process may also seem intimidating. The good news is that many lenders have adapted to the idea that many hopeful homeowners simply need a second chance, which means that past credit problems no longer have to define your future.

Do you ever wonder why there are so many commercials that advertise about consumers’ credit reports? I am sure you have heard the commercial with the jingle for FreeCreditReport.com. You either love it or you hate it! While there are many companies who offer this service, many people are not aware that AnnualCreditReport.com is the ONLY authorized source to obtain a FREE annual credit report under federal law, according to the Federal Trade Commission (FTC).